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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0000037808-03-000046.txt : 20031203
<SEC-HEADER>0000037808-03-000046.hdr.sgml : 20031203
<ACCEPTANCE-DATETIME>20031203145416
ACCESSION NUMBER:		0000037808-03-000046
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20031203

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FNB CORP/FL/
		CENTRAL INDEX KEY:			0000037808
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				251255406
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-103902
		FILM NUMBER:		031035110

	BUSINESS ADDRESS:	
		STREET 1:		F.N.B. CENTER
		STREET 2:		2150 GOODLETTE ROAD NORTH
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34102
		BUSINESS PHONE:		239-262-7600

	MAIL ADDRESS:	
		STREET 1:		F.N.B. CENTER
		STREET 2:		2150 GOODLETTE ROAD NORTH
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34102

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FNB CORP/PA
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CITIZENS BUDGET CO
		DATE OF NAME CHANGE:	19750909
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>rfc33338370.txt
<TEXT>
                                             December 3, 2003


Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549


                                         RE: Filing of Prospectus Supplement
                                             Pursuant to Rule 424;
                                             Registration #333-103902

Gentlemen:

Pursuant to the provisions of Rule 424(b)2 of the Rules and Regulations under
the Securities Act of 1933, as amended, we enclose for filing the following copy
of the Prospectus Supplement dated December 3, 2003, with respect to the above
Registration Statement.

In accordance with Rule 424(c), only the Prospectus Supplement is being filed
because it will be attached to a form of Prospectus that previously has been
filed. The Prospectus Supplement includes a cross reference on the cover thereof
to the date of the related Prospectus.


                                         Very truly yours,

                                         F.N.B. Corporation

                                         /s/Thomas E. Fahey

                                         Thomas E. Fahey
                                         Executive Vice President and
                                         Chief Financial Officer






<PAGE>



PROSPECTUS SUPPLEMENT
(To Prospectus Dated June 24, 2003)

                               F.N.B. CORPORATION

                                  $350,000,000
                                       OF
                     SUBORDINATED TERM NOTES AND DAILY NOTES

       The following interest rates are applicable effective December 3, 2003:


                                                          ANNUAL
                                                       INTEREST RATE
                                                       -------------
  Subordinated Daily Notes                                     2.75%

  Subordinated Special Daily Notes                              N/A

  Subordinated Term Notes
         3 Month                                               2.90%
         6 Month                                               3.10%
         9 Month                                               3.21%
        12 Month                                               3.36%
        15 Month                                                N/A
        18 Month                                               3.45%
        21 Month                                                N/A
        24 Month                                               3.55%
        27 Month                                                n/a
        30 Month                                               3.75%
        36 Month                                               3.99%
        48 Month                                               4.14%
        60 Month                                               4.33%
        84 Month                                               4.47%
       120 Month                                               4.67%




   The Company intends to use the net proceeds from the sale of notes as
   advances to its consumer finance subsidiary, Regency Finance Company, to
   fund Regency's lending and purchasing activities and for general corporate
   purposes of the Company, including mergers and acquisitions.

                This Prospectus Supplement is dated December 3, 2003




<PAGE>



</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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